"I am financially not stable because I have a small piece of land which is infertile and always harvest less which are of poor quality. I have another small piece of land that I have cleared but have no seeds like maize, beans this is because I ended up eating them due to the dry season."

"My goal currently is to save the monthly transfers in a Sacco, get a loan in the future, and start a hairdressing and beauty shop. I have been employed by a neighbour with a meagre income, and I want to start my own shop and be self-employed. I believe I will be able to pay for my son's fees with ease once I start my own business."

"My objective is to invest in goats since they are the only assets that I can have. I am not employed, and these goats can help me overcome my financial troubles. I have nine children currently enrolled in high school and primary school, and they all depend on me for their fees. I do not have any other support besides the monthly transfers. I am currently keeping twelve goats, and I am planning to buy more goats in the coming year and beyond. They will serve as security for the future of my children's education."

"I am looking forward to finally opening up a business preferably where I can begin selling groceries which will enable me to cater for the day to day needs of my family. I also plan on paying tuition for my children so that they can continue to pursue their education with no interruption."

"This time around I decided that I would use the money to build a proper house for me and my family because the one we lived in was small for us. Therefore I proceeded to spend over KES 15,000 on purchasing thirty pieces of timber and ten pieces of iron sheets. I then proceeded to spend over KES 20,000 on paying tuition for my daughter who was in high school since she had a debt. As for the rest of the funds I decided to gradually spend on nutrition."

"We are slowly feeling the effect of climate change in our area. Bumper harvest is now the story of the past. Most of us rely on rain to cultivate our farms. Shortages of rain have sent us back to the drawing board to think of another way to earn a living. Milk is now retailing at KES 70 a liter which is very lucrative. I am planning to take a loan of KES 100000 and venture into the business of dairy farming to enable me to earn living for my family."

"I have been struggling with perennial food since I had nothing to buy farm inputs and cultivate crops. My focus now is to use part of my savings to farm and produce more food for my family of four. I will also consider planting crops that last three months to help us have a constant supply of food"

"Considering how well my posho mill is performing, I am currently planning to build my home. I think I will be getting some minor gains. I will be able to save money for my home's construction."

"For a very long time, I have desired to start livestock rearing as a dependable source of livelihood for the family. Because of the poverty condition in our family, my effort to make this dream a reality bore no fruit. After receiving the recent transfers, I bought five goats to start livestock farming an investment that will provide financial assistance whenever I face any challenge. In addition, I used $150 to acquire proper modern bedding since I was using an old traditional bed that was not uncomfortable. I always felt body pain every morning after waking up. I spent part of the remaining amount to build a decent two-roomed, mud-walled house for the family. Earlier, I lived in a small grass-thatched structure that was about to collapse. Nowadays, I am glad to reside in a decent house than before. Lastly, I used the remaining amount to purchase sufficient food for the family."

"I had two goals this year; to buy a posho mill machine and an acres pieces of land. I am planning to spend the profit that I earn from farming and selling potatoes towards this projects. Achieving this mean expansion of my business and by the time I will be settling down with my family, I will be financially independent and I will be able to give my family a quality life."